985 Field Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 985 Field Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,352 sqft · built 1995
Lot Size	0.413 acres (17,990 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Feb 2024)
Tax Bill	$9,015 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-8781-0027-00-6`

Property Details

APN / Parcel Number

Primary APN	`18-8781-0027-00-6`
Alternative APN	`11-18-8781-0027-00-6`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,352 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	985 FIELD DR
City	SAINT JOSEPH
State	MI
Zip	49085-3546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 27 WESTWOOD HEIGHTS NO 2
Legal Subdivision	WESTWOOD HEIGHTS #2
Legal Lot Number	27
Legal Unit	27
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1009
Census Tract	1100

Owner

985 Field Dr is owned and occupied by two individuals who bought it in February 2024.

Source: Berrien County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Sep 22, 2021	Deed of Trust, Mortgage · Commercial Mortgage ROCKET MORTGAGE LLC
Jan 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2024 · Amount on File
Deed Sale	Feb 28, 2024 · Amount on File
Prior Sale	Jul 13, 2015 · Amount on File
Deed Document Number	2024398830
Deed Book / Page	3421 / 1135
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 28, 2024
Property Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546
Document Number	03421/1135
Book / Page	3421 / 1135
Map Reference	LB 25 PG 19
Instrument Date	Feb 23, 2024
Instrument	2024398830
Transaction Type	Transfer
Record Updated	Mar 19, 2024
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,637.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546

Mortgage

Document Number	2024398831
Date	Feb 28, 2024
Instrument	2024398831

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546

Mortgage

Document Number	03345/1897
Date	Sep 22, 2021
Book Page	3345/1897

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 FIELD DR, SAINT JOSEPH, MI 49085-3546

Mortgage

Document Number	003397/145
Date	Jan 20, 2023
Book Page	3397/145
Instrument	2023371467

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 985 Field Dr was $9,015 with a homeowner's exemption.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$292,500	$585,000
2025	$9,015.00
2023		$242,600	$485,200
2022	$6,046.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 985 Field Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2009.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2009–2020)
Claims Outside the SFHA	4 of 5
Most Recent Claim	May 2020 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 985 Field Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Verizon.

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